Personal Finance and Money Stack Exchange
Personal Finance and Money Stack Exchange

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1500 questions
19
votes
2 answers

Why do 1099 forms take so long for brokerages to prepare and send out?

I generally have my taxes done by mid January when my W-2 becomes available, but I'm often stuck waiting as long as another month before I can file because I'm waiting for my brokerages to send me my 1099s. This happens across TD Ameritrade,…
Nicholas
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3 answers

Is it possible to sell a rental property WHILE tenants are living there?

I am thinking about selling my rental property, but currently there are tenants living there. Is it possible to "hand over" the current leases to a buyer/landlord or do I have to wait for all the leases to end? The rental property is located in…
user1068636
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19
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8 answers

How to split rent/utilities fairly

I'm in the process of getting an apartment with my girlfriend and a friend. We plan on all sharing rent and utilities but there is a large gap in earnings between the three of us, mostly that I out-earn both combined. I want to do things as fairly…
Ranma344
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19
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7 answers

Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg?

For my first car, I bought a Toyota Camry. 3 years later I sold that car and I am leasing a BMW series 3. My lease will expire early next yr and I am thinking getting the X3/X5, do you recommend leasing or buying? Personally by far I think the…
livedonkey
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4 answers

Only my husband's name is on the car title. How can I protect my ownership in case of divorce or death?

My husband bought a car. Only his name is on the title because my credit is not good, but his is very good. But I am going to pay the car loan and the insurance. I would like to know if it's possible for him to add me to the car title and…
Erika
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19
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5 answers

Advice for college student: Should I hire a financial adviser or just invest in index funds?

I just started college and after calculating the cost for my degree I calculated that I have $50,000 that I wont need until after college. I think that the best think for me to do with that money is to invest. A close family friend of mine…
HanMah
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19
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3 answers

Why does my bonus at year end get taxed at a different rate?

Every year when I get paid a bonus, almost half of the bonus gets withheld for income taxes. My normal paycheck is never taxed at that rate. How do I stop that from happening?
Michael Pryor
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19
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5 answers

Is losing money in my 401K normal?

I had about $10.5K in my Fidelity 401K account invested in their target fund. I started it a year ago. This is my first time with investing in the stock market. For the past 2-3 months, it keeps going down. Now it's at $9K. Lost $1.5K. I don't need…
Kint Kant
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4 answers

Paying Off Student Loans Early

I currently owe $34,558.00 in student loans ($31,000.00 principal + $3,601.83 unpaid interest accrued so far) with an average interest rate of 4.877%. I just started working full time ($70,000 GAI) and I can now start making payments. I'd like to…
Josh Broadhurst
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19
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2 answers

If I file as head of household, how does my estranged wife file? (USA)

My wife abandoned my kids and me mid July, 2014. For 2014 the option of "Head of Household" was not available as the IRS says that the spouse has to not have lived with you for the last 6 months of the year to be "considered unmarried", so we ended…
trex005
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19
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3 answers

what happens if you don't start collecting social security until you're 75?

My father recently turned 70 and distrusts banks somewhat. He doesn't feel he currently needs the extra income that social security would provide and that if he took the extra money now that that money could disappear in a hypothetical lawsuit. It's…
neubert
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19
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4 answers

I made an investment with a company that contacted me, was it safe?

I am a French person living abroad who invested a bit of money with a company that contacted me some time ago. This leading to that, I am a bit doubtful (legitimately?) that I will ever see my money back. Their website is here:…
FrenchFireman
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19
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10 answers

Why are American-style options worth more than European-style options?

Why are American-style options worth more than European-style options? I realize I can exercise American-style options anytime before the expire, but I can only exercise European-style options during their "exercise period" (usually right when…
user1731
19
votes
3 answers

Quit my job: What can/should I do with funds in previous employer's 401(k) plan?

I recently changed jobs, and my previous employer offered a 401k. I know I can roll that money into an IRA. Before I do anything, I would like to understand what options I have, and which option is best. What recommendations do you have?
Kyle Trauberman
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19
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8 answers

Is a car loan bad debt?

I've heard people saying that a car loan is considered a bad debt, while a house mortgage is a good debt and so on. My bank is offering 1.49% interest for a 36 month loan or 2.49% for a 37-60 month loan. I need help with calculation here because if…
Grasper
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